What is an 'examination under oath' (EUO) in claims handling?

An examination under oath (EUO) is a formal investigative tool in which the insured is questioned under oath — typically by the insurer's attorney, with a court reporter present — about the details of a claim. Many policies contain a provision requiring the insured to submit to an EUO as a condition of coverage when requested. EUOs are generally used in larger, complex, or potentially questionable claims where the insurer needs sworn testimony to complete its investigation. The insured's cooperation with a properly requested EUO is usually a policy condition. Understanding the EUO as a sworn-testimony investigative tool is standard adjuster content.